CERSAI Fees and Charges

Last updated by BankersClub on March 13, 2018

Particulars of equitable mortgage of immovable properties are required to be filed with CERSAI within 30 days of creation of mortgage. [Also read Procedure for Filing the Delay Condonation Application with CERSAI for delay ]

So if someone has taken a housing loan or offered a property as collateral security in a loan, details of house/ property are filed with CERSAI

CERSAI charges some fee from banks for filing of charge known as fee for registration of security interest.  Following are the CERSAI charges:

  • Fee for Search in CERSAI enquiry i.e., any application for information : Rs.10 + service tax
  • Particulars of creation or modification of Security Interest in favour of secured creditors
    • 50 + service tax for loan upto Rs. 5 lacs
    • 100 + service tax for loan above Rs.5 lacs
  •  Three is no fee for Satisfaction of any existing Security Interest with CERSAI
  • Particulars of securitisation or reconstruction of financial assets : Rs. 500 + service tax
  • Particulars of satisfaction of securitisation or reconstruction transactions : Rs.50 + service tax

[Charge on movable assets (stocks/ book debts etc.) is also required to be filed with CERSAI]


Following are the CERSAI penal charges i.e., Fee for delayed filing of charge with CERSAI after 30 days:

  • Beyond 30 days but upto 40 days : 2 times : Rs.100 (for loan upto Rs.5 lacs) & Rs.200 for loan above Rs.5 lacs
  • Beyond 40 days but upto 50 days : 5 times : Rs.250 (for loan upto Rs.5 lacs) & Rs.500 for loan above Rs.5 lacs
  • Beyond 50 days but upto 60 days : 10 times : Rs.500 (for loan upto Rs.5 lacs) & Rs.1000 for loan above Rs.5 lacs

Service Tax is also levied on late filing fee.

Banks recover CERSAI charges from their customers.


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